Check Recovery Service

Save time and improve your cash flow

Trying to collect on returned checks the traditional way costs your business time and money. With the checXchangeTM NSF Check Recovery system from First Citizens, your business can have consumer returned items electronically processed at no additional cost.

  • Recover more funds
  • Receive 100% of all items collected
  • No special equipment or software needed
  • Eliminate your in-house collection efforts
  • View images of returned items on demand

checXchangeTM converts eligible deposited items that are returned for insufficient (NSF) or uncollected (UCF) funds into an electronic transaction and re-presents it through the Automated Clearing House (ACH) network. Your customer’s account is debited for the face amount of the check plus the returned check
fee. Once funds are collected, the full face amount is then electronically credited to your First Citizens checking account.

To learn more, please call our checXchangeTM support team at 1-844-210-6886.

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